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Family pension in accordance with the Occupational Accident and Disease Act for Farmers

In accordance with the Occupational Accident and Disease Act for Farmers, a family pension may be paid to the spouse, children and in certain conditions common-law spouse of a policyholder whose death was caused by an occupational accident or disease.

Who is eligible for a family pension?

You may receive a family pension if your relationship to the deceased policyholder is one of the following:

  • Spouse
  • Child under the age of 18
  • Child under the age of 25 who is a full-time student
  • Child under the age of 25 with a work disability

If you are the common-law spouse of the deceased policyholder, you may receive a family pension if you have lived together in a household comparable to that of a married couple and you have one of the following:

  • A child with the deceased policyholder
  • A registered partnership agreement signed by a public notary

Amount of the family pension

The amount of the family pension is calculated according to the annual (MYEL) earnings of the deceased policyholder. The combined maximum amount of the family pensions of the spouse and children is 70 percent of the annual earnings of the deceased policy holder.

The amount of a spouse’s pension is calculated as follows:

  • 40% of the annual earnings of the deceased policyholder if the spouse is the sole beneficiary
  • 35% of the annual earnings of the deceased policyholder if the pension is paid to the spouse and 1 child
  • 30% of the annual earnings of the deceased policyholder if the pension is paid to the spouse and 2 children
  • 20% of the annual earnings of the deceased policyholder if the pension is paid to the spouse and 3 children
  • 15% of the annual earnings of the deceased policyholder if the pension is paid to the spouse and 4 or more children

The amount of an orphan’s pension depends on the number of beneficiaries, as it is divided evenly among the children. The amount of an orphan’s pension is calculated as follows:

  • 25% of the annual earnings of the deceased policyholder if the pension is paid to 1 child
  • 40% of the annual earnings of the deceased policyholder if the pension is paid to 2 children
  • 50% of the annual earnings of the deceased policyholder if the pension is paid to 3 children
  • 55% of the annual earnings of the deceased policyholder if the pension is paid to 4 or more children.

How to apply for a family pension

Mela must be notified about the occupational accident or disease of the deceased policyholder unless a claim has already been submitted to Mela. You can notify Mela in the following ways:

Include the family pension form (7063) (in Finnish and Swedish) with the claim form.

Family pension claims cannot be submitted electronically.

If a claim has already been submitted to Mela and you are the spouse or child of the deceased policyholder, you do not need to apply separately for a family pension from Mela. We will evaluate your eligibility for a family pension based on the reports we receive.

Common-law spouses must always apply for a family pension in person.

Notification of changes

Payment of a family pension shall be discontinued if the spouse remarries or becomes a common-law spouse in the following conditions:

  • The new couple already has a child together
  • The new couple has a new child together
  • The new couple has a registered partnership agreement signed by a public notary

These changes must be notified to Mela without delay.

For occupational injuries that occurred or were manifested before 1 January 2016, compensation is paid in accordance with the Farmers’ Accident Insurance Act.

Funeral assistance

Funeral assistance amounting to 4900 euros (as of 2019) may be paid to the estate or person organising the funeral even if the deceased policyholder does not have surviving family members eligible for a family pension.

Compensation is also paid to cover the reasonable costs of transporting the deceased from the place of death to his or her home municipality for burial.

Funeral assistance does not need to be applied for separately. We will evaluate your eligibility for funeral assistance based on the reports we receive.

For occupational injuries that occurred or were manifested before 1 January 2016, compensation is paid in accordance with the Farmers’ Accident Insurance Act.

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